It's amazing the power money can have over people. Take any given situation, throw money into it and things change dramatically!
Lending money to friends and family can end friendships and change relationships forever. I agree it's better to give as a gift, but when there's expectation to be paid back things can get ugly. I've seen countless people bite the bullet after co-signing for friends and family so add co-signing to the list of financial no no's!
Cleaning the registry has an effect on how fast the computer starts up , how fast programs start up, and also how long it takes to install stuff, but the rest of the time it doesn't do much. And yeah, a massively corrupted registry could just prevent stuff from starting.
She and her husband are seperated one in Flordia one in New York. She has no money and is being called 3 times a day by the collection unit to try to make her pay for the lease her husband turned back in Flordia. She did sign the lease papers. Is there anything she can do to protect herself from his debt while they were married?
You can clean your registry out with a Brillo pad if you want but it has no effect on how quickly your machine runs, unless it's massively corrupted. You have a different problem all together there.
Great tips. Can you write one for a MAC by any chance? What a coincidence, as I just published an article called "Mea Culpa - I Just Spent $1,450 At The Apple Store" and I am really struggling on whether to return the computer or not.
I've got two weeks until the return policy expires, so if the financial community can give me some advice over at FS, it would be greatly appreciated!
A Mac version of this post would be sweet! I'm a total computer dummy.
Try Ubuntu Linux from Ubuntu.com. You can download the program for free, and then try it out on your machine before installing it.
It's very easy to use, has free online support on the forums, it's virus-free and includes access to hundreds of free programs. It comes with excellent office software - again, free - and much more.
There are versions available for netbooks, laptops, media developers, educators, students, scientists, kids, and much more!
Ubuntu is faster than Windows, and it doesn't get clogged up and slow over time.
I've always thought that a lot of people who BELIEVE they're saving money by shopping at warehouse clubs ("Look, honey! Sprite is $1 less for 36 cans than if we'd bought 3 12-packs at Food Lion!") aren't really saving any money at all, once you count all the impulse purchases of DVDs, huge packages of frozen convenience foods, and plastic tubs of cookies that could've been made from scratch much cheaper. Add in the yearly membership fees, and I think it's a disciplined shopper indeed who actually manages to make the warehouse club pay off for him or her. Kinda like Vegas...the house almost always wins.
I previously use Avast free edition but my problem is i can't total remove the program. After i want to install AVG problem occur ask me to total uninstall Avast. I use Revo uninstaller but it still there. what should i do?
Debian is great, because it has a very low dependency links among packages. Debian Fluxbox without any auto hal daemon can easily ran smoothly under 96 megs of ram. Firefox will add additional 40 to 75 megs with four to five tabs. But, most users of this site will be using Windows and OSX.
I really liked the podcasts. They were very informative. I liked the Linsey's presentation better then the Lynn's. It seemed like Lynn was talking too fast. I will be looking forward to more podcasts!
Not quite two years later, and powdered milk is still considerably more expensive than fresh milk. I was stunned to realize this when I went shopping to donate items to a local food pantry.
Fresh milk: $1.79 per gallon.
Powdered milk: $4.99 for a box that, reconstituted, will make 2 gallons of milk, or $2.50 per gallon.
In other words, the powdered milk is about 50% more expensive than the fresh milk!
As a condition of receiving money from the federal government, every town is required to have a pandemic flu response plan. Call your towns health agent (small towns may only have a part-time agent) and ask when your town will be offering flu shots. Most larger towns use the annual regular fall flu clinics to test their pandemic disaster plans and activate all emergency response personnel (public health nurses, police, fire, etc.) as well as volunteers such as CERT, Red Cross, and the Medical Reserve Corps. They offer the shots at their cost to procure the vaccine from the manufacturer (usually $10-$15).
We test our "drive thru" pandemic flu clinic every fall to vaccinate as many people as possible as cheaply as possible. It's really neat ... you don't even have to get out of your car or risk getting exposed to sick people. Every town offers clinics, though these range from full blown exercises such as ours to small walk-in clinics offered for a few hours at the town health agents office.
If you want to ensure you'll always be near the front of the line for potential pandemic flu vaccines, get trained as a CERT, Red Cross, or Medical Reserve Corps volunteer to help out at these clinics and your family will move to the front of the line to get vaccinated if a REAL killer pandemic moves through your region. You -don't- have to be a medical professional to volunteer ... they need just as many people to direct traffic, help people fill out forms, and monitor vaccinees after receiving their shots to make sure there are no reactions as they need nurses to jab people in the arm.
The 'ethical-ness' of the situation has no bearing on if something is 'legal' or 'illegal'
To the unsecure wireless comment, here's my take on it:
Your neighbor is watering their yard with a sprinkler, that on it's normal setting it splashes water onto your property (over the fence, so your neighbor can't see where your plants are/where the water hits).
If I move my potted plants into the range of the 'splash-over' water... I am receiving 'his water' that he is spraying for the purpose of watering his yard.
Legal? I would think so. Would I actually go over there and say, excuse me, you're watering my plants? Pfft, no ;)
Computer-ized;
Your neighbor is using a wireless internet connection to connect their computers to the internet, on the normal setting, where the signal 'splashes' onto your property (into your house, so your neighbor can't see where you have your computers set up).
If I move my computers into thi range of the 'splash-over' signal... I am receiving 'his signal' that he is 'generating' for the purpose of connecting his computers.
I'm typing this on a 9 year old laptop (800MHz maxed out with 384MB of RAM) running Debian Linux. It beats the pants off the WinME that came loaded on the machine originally. It currently operates not only as my primary workhorse machine for email, office work, and web-browsing (and remote-desktop into my work machine), but I regularly use it for web development & graphic design. This means that at any given time it also runs any combination of web-server, multiple database servers (MySQL and PostgreSQL), FTP/SSH server, SMB server, or GIMP/Inkscape for photo/vector image manipulation. It's a little under-powered for some of the virtualization work I'd like to explore, but otherwise, it runs like a champ. The only hardware issue I've has is the built-in WinModem which I don't use anyways.
I tried XP on it and by the time I added manditory anti-virus, anti-spyware, some office software, and a more powerful firewall it was unusably slow. Never mind all the development tools I need to do my job. Or the availability of drivers for some of my other old
hardware.
If you are suggesting others to keep their old machines such as P3 (686), you should recommend apps that eat less system resources. AVG is the most bloated free antivirus out there. AVG is paranoid and has a lousy detection rate.
Antivirus: AVAST or Antivir (lot less CPU and RAM usage and higher detection)
defraging: defraggler. very fast and very low on your system resource.
spyware and malware detection: spywareblaster (light). if you don't care how long it takes. try malwarebytes.
ccleaner is simply the best.
I am in same boat. I purchased brand new 37k value car after "inspiring" from colleagues who drive Acuras, BMWs...I am paying 600+100(ins)+100(fuel) per month + 1000 (registration) per year as an operating cost, which is more than my apartment rent.....though I can afford it I feel very guilty when I make such hefty payments as I used to consider myself a frugal guy......I think selling the vehicle would be the best option for me as I like more savings and investments for future....
My suggestion is if you don't feel comfortable (psychologically + financially) just sell it off when you get good deal....
We are getting ready to file Bankruptcy...we have a few judgements that had garnished our bank accounts (we are both unemployed, our bank accounts are now closed.
We had a Capital One card also...I would bet this card would be another way for the collectors to get to us. Give us the card so we put money on it, so they can take it. I have a feeling it was a collector that set us up with the card..
You should retitle this how to make your Windows based computer faster. Well, I guess the ram thing could work for all computers, but that is probably a step that should be done by people who have experience opening their PC up and deal with subsequent issues that could pop up with new hardware.
My wife and I shop at an asian (Korean) market as part of our routine. We buy vegetables and some meat (prefer Costco for bulk).
The problem is that "American" staples cost more than the Kroger down the street. A loaf of bread is a buck higher and something like lunchmeat is at least a dollar per package higher. Other staple items like cleaning supplies are more expensive at the asian market
My wife and I make a loop when we shop. First is Costco (if we need bulk meat or other large quantity products, and I'll tank up and save fifteen cents a gallon), second is H Mart (the Korean grocery) for veggies and maybe pork for bulgogi. Last is Kroger for anything else and things we use coupons on. Costco only takes their coupons and H Mart doesn't take them at all.
As mentioned above, H Mart has lots of produce, but only plan to buy what you'll use in a week. It can be dodgy after a week has passed. I never had that problem with Kroger. Problem is, Kroger's produce is at least twice the cost.
It works out. We spend about $75 a week for everything for the two of us (including all non-food supplies). Our weekly savings is about $30, which makes up for the extra 15 total miles I drive.
There's one thing I know for CERTAIN, and that is you can never count out the US consumer to tone down our spending ways. We need US consumers to return to binge spending for corporate earnings to rebound aggressively and justify current stock market valuations.
Temptations are too great not to spend, hence why we wrote "Controlling The Urge To Splurge", a novel way to satiate the irresistible, and not go broke in the process!
Call me an optimist or a cynic, but we're all in this together. Thanks for the review Xin!
Though informative, I found myself losing interest. The person sounded like they were reading from a script. I like more of a conversational podcast, like they are talking directly to me.
I also remember learning about money through my parents at a young age. I was always encouraged to 'save' my money and use credit wisely. As soon as I was able to count with a one-to-one correspondence, I remember saving up my tiny allowance and happily counting $6.00.
I also remember receiving my first credit card and the fear I had about using it, this was also because of my parents. They always paid off their credit card every month.
However, somewhere down the road, I threw my parents tips about money to the side and went down the wrong path. Now that I am currently correcting my errors, I see that additional instruction was needed as I reached my late teen and early college years. I think my parents, at this point, thought my 'learning' was finished. Learning is never finished, it's lifelong and young adults need more guidance, not less.
Friends/Family + Money + Lending = Tension
It's amazing the power money can have over people. Take any given situation, throw money into it and things change dramatically!
Lending money to friends and family can end friendships and change relationships forever. I agree it's better to give as a gift, but when there's expectation to be paid back things can get ugly. I've seen countless people bite the bullet after co-signing for friends and family so add co-signing to the list of financial no no's!
Cleaning the registry has an effect on how fast the computer starts up , how fast programs start up, and also how long it takes to install stuff, but the rest of the time it doesn't do much. And yeah, a massively corrupted registry could just prevent stuff from starting.
She and her husband are seperated one in Flordia one in New York. She has no money and is being called 3 times a day by the collection unit to try to make her pay for the lease her husband turned back in Flordia. She did sign the lease papers. Is there anything she can do to protect herself from his debt while they were married?
You can clean your registry out with a Brillo pad if you want but it has no effect on how quickly your machine runs, unless it's massively corrupted. You have a different problem all together there.
Great tips. Can you write one for a MAC by any chance? What a coincidence, as I just published an article called "Mea Culpa - I Just Spent $1,450 At The Apple Store" and I am really struggling on whether to return the computer or not.
I've got two weeks until the return policy expires, so if the financial community can give me some advice over at FS, it would be greatly appreciated!
A Mac version of this post would be sweet! I'm a total computer dummy.
Financial Samurai
Try Ubuntu Linux from Ubuntu.com. You can download the program for free, and then try it out on your machine before installing it.
It's very easy to use, has free online support on the forums, it's virus-free and includes access to hundreds of free programs. It comes with excellent office software - again, free - and much more.
There are versions available for netbooks, laptops, media developers, educators, students, scientists, kids, and much more!
Ubuntu is faster than Windows, and it doesn't get clogged up and slow over time.
I've always thought that a lot of people who BELIEVE they're saving money by shopping at warehouse clubs ("Look, honey! Sprite is $1 less for 36 cans than if we'd bought 3 12-packs at Food Lion!") aren't really saving any money at all, once you count all the impulse purchases of DVDs, huge packages of frozen convenience foods, and plastic tubs of cookies that could've been made from scratch much cheaper. Add in the yearly membership fees, and I think it's a disciplined shopper indeed who actually manages to make the warehouse club pay off for him or her. Kinda like Vegas...the house almost always wins.
I previously use Avast free edition but my problem is i can't total remove the program. After i want to install AVG problem occur ask me to total uninstall Avast. I use Revo uninstaller but it still there. what should i do?
Debian is great, because it has a very low dependency links among packages. Debian Fluxbox without any auto hal daemon can easily ran smoothly under 96 megs of ram. Firefox will add additional 40 to 75 megs with four to five tabs. But, most users of this site will be using Windows and OSX.
I really liked the podcasts. They were very informative. I liked the Linsey's presentation better then the Lynn's. It seemed like Lynn was talking too fast. I will be looking forward to more podcasts!
Not quite two years later, and powdered milk is still considerably more expensive than fresh milk. I was stunned to realize this when I went shopping to donate items to a local food pantry.
Fresh milk: $1.79 per gallon.
Powdered milk: $4.99 for a box that, reconstituted, will make 2 gallons of milk, or $2.50 per gallon.
In other words, the powdered milk is about 50% more expensive than the fresh milk!
Funny ol' world, innit?
As a condition of receiving money from the federal government, every town is required to have a pandemic flu response plan. Call your towns health agent (small towns may only have a part-time agent) and ask when your town will be offering flu shots. Most larger towns use the annual regular fall flu clinics to test their pandemic disaster plans and activate all emergency response personnel (public health nurses, police, fire, etc.) as well as volunteers such as CERT, Red Cross, and the Medical Reserve Corps. They offer the shots at their cost to procure the vaccine from the manufacturer (usually $10-$15).
We test our "drive thru" pandemic flu clinic every fall to vaccinate as many people as possible as cheaply as possible. It's really neat ... you don't even have to get out of your car or risk getting exposed to sick people. Every town offers clinics, though these range from full blown exercises such as ours to small walk-in clinics offered for a few hours at the town health agents office.
If you want to ensure you'll always be near the front of the line for potential pandemic flu vaccines, get trained as a CERT, Red Cross, or Medical Reserve Corps volunteer to help out at these clinics and your family will move to the front of the line to get vaccinated if a REAL killer pandemic moves through your region. You -don't- have to be a medical professional to volunteer ... they need just as many people to direct traffic, help people fill out forms, and monitor vaccinees after receiving their shots to make sure there are no reactions as they need nurses to jab people in the arm.
no one really cares about ethical/unethical ;)
The 'ethical-ness' of the situation has no bearing on if something is 'legal' or 'illegal'
To the unsecure wireless comment, here's my take on it:
Your neighbor is watering their yard with a sprinkler, that on it's normal setting it splashes water onto your property (over the fence, so your neighbor can't see where your plants are/where the water hits).
If I move my potted plants into the range of the 'splash-over' water... I am receiving 'his water' that he is spraying for the purpose of watering his yard.
Legal? I would think so. Would I actually go over there and say, excuse me, you're watering my plants? Pfft, no ;)
Computer-ized;
Your neighbor is using a wireless internet connection to connect their computers to the internet, on the normal setting, where the signal 'splashes' onto your property (into your house, so your neighbor can't see where you have your computers set up).
If I move my computers into thi range of the 'splash-over' signal... I am receiving 'his signal' that he is 'generating' for the purpose of connecting his computers.
Legal? How is this different? ;)
--Darm
I'm typing this on a 9 year old laptop (800MHz maxed out with 384MB of RAM) running Debian Linux. It beats the pants off the WinME that came loaded on the machine originally. It currently operates not only as my primary workhorse machine for email, office work, and web-browsing (and remote-desktop into my work machine), but I regularly use it for web development & graphic design. This means that at any given time it also runs any combination of web-server, multiple database servers (MySQL and PostgreSQL), FTP/SSH server, SMB server, or GIMP/Inkscape for photo/vector image manipulation. It's a little under-powered for some of the virtualization work I'd like to explore, but otherwise, it runs like a champ. The only hardware issue I've has is the built-in WinModem which I don't use anyways.
I tried XP on it and by the time I added manditory anti-virus, anti-spyware, some office software, and a more powerful firewall it was unusably slow. Never mind all the development tools I need to do my job. Or the availability of drivers for some of my other old
hardware.
-gumnos
If you are suggesting others to keep their old machines such as P3 (686), you should recommend apps that eat less system resources. AVG is the most bloated free antivirus out there. AVG is paranoid and has a lousy detection rate.
Antivirus: AVAST or Antivir (lot less CPU and RAM usage and higher detection)
defraging: defraggler. very fast and very low on your system resource.
spyware and malware detection: spywareblaster (light). if you don't care how long it takes. try malwarebytes.
ccleaner is simply the best.
I am in same boat. I purchased brand new 37k value car after "inspiring" from colleagues who drive Acuras, BMWs...I am paying 600+100(ins)+100(fuel) per month + 1000 (registration) per year as an operating cost, which is more than my apartment rent.....though I can afford it I feel very guilty when I make such hefty payments as I used to consider myself a frugal guy......I think selling the vehicle would be the best option for me as I like more savings and investments for future....
My suggestion is if you don't feel comfortable (psychologically + financially) just sell it off when you get good deal....
We are getting ready to file Bankruptcy...we have a few judgements that had garnished our bank accounts (we are both unemployed, our bank accounts are now closed.
We had a Capital One card also...I would bet this card would be another way for the collectors to get to us. Give us the card so we put money on it, so they can take it. I have a feeling it was a collector that set us up with the card..
Can you offer a plain old RSS feed for subscribing to the podcast? I couldn't find one.
You should retitle this how to make your Windows based computer faster. Well, I guess the ram thing could work for all computers, but that is probably a step that should be done by people who have experience opening their PC up and deal with subsequent issues that could pop up with new hardware.
My wife and I shop at an asian (Korean) market as part of our routine. We buy vegetables and some meat (prefer Costco for bulk).
The problem is that "American" staples cost more than the Kroger down the street. A loaf of bread is a buck higher and something like lunchmeat is at least a dollar per package higher. Other staple items like cleaning supplies are more expensive at the asian market
My wife and I make a loop when we shop. First is Costco (if we need bulk meat or other large quantity products, and I'll tank up and save fifteen cents a gallon), second is H Mart (the Korean grocery) for veggies and maybe pork for bulgogi. Last is Kroger for anything else and things we use coupons on. Costco only takes their coupons and H Mart doesn't take them at all.
As mentioned above, H Mart has lots of produce, but only plan to buy what you'll use in a week. It can be dodgy after a week has passed. I never had that problem with Kroger. Problem is, Kroger's produce is at least twice the cost.
It works out. We spend about $75 a week for everything for the two of us (including all non-food supplies). Our weekly savings is about $30, which makes up for the extra 15 total miles I drive.
So you were bothered? BFD. Stop whining, they didn't 'violate' you in any way.
I'm so sick of this society where everyone feels they have somehow been violated. Please, get some skin and suck it up.
Geezus.
Thanks for the mention!
There's one thing I know for CERTAIN, and that is you can never count out the US consumer to tone down our spending ways. We need US consumers to return to binge spending for corporate earnings to rebound aggressively and justify current stock market valuations.
Temptations are too great not to spend, hence why we wrote "Controlling The Urge To Splurge", a novel way to satiate the irresistible, and not go broke in the process!
Call me an optimist or a cynic, but we're all in this together. Thanks for the review Xin!
Financial Samurai
Though informative, I found myself losing interest. The person sounded like they were reading from a script. I like more of a conversational podcast, like they are talking directly to me.
I tweeted as well http://twitter.com/eyzofblu63/status/3863684691
I also remember learning about money through my parents at a young age. I was always encouraged to 'save' my money and use credit wisely. As soon as I was able to count with a one-to-one correspondence, I remember saving up my tiny allowance and happily counting $6.00.
I also remember receiving my first credit card and the fear I had about using it, this was also because of my parents. They always paid off their credit card every month.
However, somewhere down the road, I threw my parents tips about money to the side and went down the wrong path. Now that I am currently correcting my errors, I see that additional instruction was needed as I reached my late teen and early college years. I think my parents, at this point, thought my 'learning' was finished. Learning is never finished, it's lifelong and young adults need more guidance, not less.
Thanks for the post.
-Little House